Claims Process

Whether your claim is large or small, Southern Fidelity understands how you and your family can be affected by those damages. Our
claims professionals work to ensure that you are provided with an accurate assessment of your damages and a thorough review of your
policy coverages in a timely manner.

Initial Contact

Once you’ve reported your claim, a claims
professional will contact you to discuss your loss. If needed, a field inspection will be scheduled to inspect your damaged
property.

Inspection

During the inspection, the field adjuster will document
your damages, take photos, and prepare a report.

The inspecting adjuster will not make any coverage or payment determination at the inspection. The completed report will be
provided to a home office examiner to be reviewed.

Resolution

A home office examiner will review the inspecting adjuster’s report
and make a coverage determination based on the terms of your insurance policy. The coverage or payment determination will be
explained in a letter, which may include supporting documentation such as an estimate or policy language. If you have a mortgage
company, be prepared that your mortgage company may be included as a co-payee on your claims payment.